KEEPING YOUR MONEY SAFE IS OUR TOP PRIORITY

About FDIC Insurance and How It Protects You

The FDIC is an independent agency of the United States government. They, along with other federal and state regulatory agencies,
regularly review all FDIC-insured banks, such as BankUnitedDirect, to ensure standards are met. We offer the same protection
you would get from a traditional bank.

How does FDIC insurance work?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects
the funds depositors place in banks up to certain limits should a bank be unable to reimburse its customers. Since the
FDIC was first established 1933, no depositor has ever lost a penny of FDIC-insured funds.

FDIC insurance covers all deposit accounts at insured banks and savings associations. That includes funds deposited in
checking accounts, savings accounts, money market deposit accounts and certificates of deposit (CDs), up to the insurance limit.
Current insurance limits are up to $250,000 per depositor, for money kept at one insured bank. With a combination of accounts,
you can maximize your FDIC insurance coverage. The FDIC’s website offers a helpful tool that calculates your FDIC insurance
coverage and tips for making sure your money is fully insured.

Note: BankUnitedDirect and BankUnited, N.A. are treated as the same entity for FDIC insurance purposes. This means that
if you have deposit accounts at BankUnited, N.A., your BankUnitedDirect deposit accounts are combined and not separately
insured for the purposes of calculating insurance limits.

To learn more about FDIC insurance, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit
www.fdic.gov.

Protecting You and Your Money

Keeping your personal information safe is our top priority. We’re committed to protecting your privacy every step of the way.

Note: BankUnitedDirect and BankUnited, N.A. are treated as the same entity for FDIC insurance purposes. This means that if
you have deposit accounts at BankUnited, N.A., your BankUnitedDirect deposit accounts are combined and not separately insured
for the purposes of calculating insurance limits.

To learn more about FDIC insurance, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit click here.

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among geographic locations.